Vous êtes sur la page 1sur 42

TYPES OF BANKS

Broadly speaking bank can be classified into commercial banks and


central bank.
The central bank has the function of controlling commercial banks
and various other economics activities.
Commercial banks are those which provide bank services for profit.
There are many types of commercial banks such as deposit banks,
savings banks , industrial banks, agricultural banks, exchange
banks and miscellaneous banks.

ROSHAN HER QADAM

BANK INTRODUCTION & HISTORY:


Soneri Bank was incorporated on September 28, 1991 and is listed on all the Stock Exchanges of
Pakistan. The controlling stake in the Bank is held by the Feerasta family.

The Bank commenced operations from its first branch in


Lahore on April 16, 1992. Soneri is a fully accredited
scheduled commercial bank providing a wide spectrum
of retail and corporate banking services through its wide
network of online branches in all major cities including
Northern Areas of Pakistan.

CORPORATE INFORMATION

CENTRAL OFFICE

M. T. Khan Road Karachi, Pakistan

VISION

ORGANIZATIONAL STRUCTURE
An organizational structure defines how activities
such as task allocation, coordination and supervision
are directed towards the achievement of
organizational aims

Product and Services

RETAIL BANKING
CORPORATE BANKING
ISLAMIC BANKING
HOME REMITTANCE
INVESTOR RELATIONS

RETAIL BANKING
Soneri Bank Limited offers a full range of Retail
Banking services. Corporate and Treasury
operations,
worldwide
network
of
correspondents and a complete range of Trade
Finance products make our bank a perfect place
to do trade business with.

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

RETAIL BANKING

Corporate
Corporate
Banking
Banking
We offer a wide range of banking products and services to our high
end customers for their working capital and long term financing
requirements. In addition, we also offer advisory, debt rescheduling
and cater to capital market needs of our valued clients. Our
business team is geared to meet our clients requirements and assist
in the best possible manner in making our customers grow their
businesses.

Islamic Banking
Islamic banking refers to a system of banking or
banking activity that is consistent with the principles of
the Shari'ah (Islamic rulings) and its practical
application through the development of Islamic
economics. The principles which emphasise moral and
ethical values in all dealings have wide universal
appeal.

Islamic Banking

Soneri Mehnat Wasool Remittance

Soneri Bank Limited (SBL) under the guidance


of Pakistan Remittance Initiative (PRI) (a joint
venture of State Bank, Ministry of Finance and
Ministry of Overseas Pakistanis, Pakistan)
started
Home
Remittance
Payments
Disbursement Initiative in July 2012.

Soneri Mehnat Wasool lets you conveniently receive money


sent from MoneyGram, (with the presence of 327,000+ agents
across 198 countries and territories), Wallstreet Finance
(Canada), Golden Money Transfer (USA) and Al Falah
Exchange (UAE) via more than 240 Soneri Branches
nationwide

Investor relations
Soneri Bank has seen a continuous
improvement in its performance over the
years. This is a result of the banks
commitment and efforts to provide excellent
service to its customers. This section includes
Annual Report, Quarterly Reports & Key
Figures, highlighting the banks performance.

Credit rating.
Ratings:
Long Term: AA- (Double A minus);
Short Term: A1+ (A one plus)
These ratings denote a very low expectation of credit risk emanating
from a very strong capacity for timely payment of financial
commitments.
Rating Agency:
The Pakistan Credit Rating Agency
(PACRA)

Account opening forms.

Accounts Opening Form Partnership

Accounts Opening Form Single-Joint

MArket share price trend

Achievements.
AWARDS OF SONERI BANK
Soneri Bank is proud to have been honored by the CFA Association
with the 2011, Best Bank of the Year award in the medium banks
category.

The bank is providing its network facilities in urban ,as well as in


RURAL areas, with a strong occurrence across the country.

The bank has introduced lingering network of 233 branches and


have almost 258 ATMs across the country.

ATM / Visa Debit Card


Introduction
Soneri VISA Debit Card brings you a hassle-free experience of spending and making payments countrywide.
As a Soneri ViSA Classic Card and VISA Gold Card holder you can avail unmatched opportunities and
benefits.

Benefits
Safer than carrying cash
Pay dinning, shopping, travelling and other bills at over 27 million outlets displaying VISA signs locally and
internationally
Worldwide cash withdrawal facility at over 1.7 million ATMs displaying the sign
Ease of cash withdrawal on

What are the available limits on Classic & Gold Card?


VISA Classic Debit Card

VISA Gold Debit Card

Cash Withdrawal

Rs. 35,000

Cash Withdrawal

Rs. 50,000

Purchase (Merchant)

Rs. 50,000

Purchase (Merchant)

Rs. 100,000

Funds Transfer

Rs. 250,000

Funds Transfer

Rs. 250,000

Which account categories qualify to obtain


Soneri VISA Debit Card ?
Following are the account categories qualified to obtain Soneri VISA Classic &
Gold Debit Cards:
PLS Savings
Soneri Savings
Basic Banking
Current Account
Ikhtiar Current Account
Soneri Sahara Account

Which account categories do not qualify to obtain


Soneri VISA Debit Card ?
Following account categories do not qualify to obtain Soneri VISA Debit Card:
Any Non-Personal account i.e. Companies, Organizations, Trust Account,
Government Account and Collection Account, etc. except for Sole Proprietorship
accounts
Customer accounts having joint operations
Dormant, inoperative, blocked or restricted accounts
Partnership accounts

Sms Alerts
Introduction
Soneri Bank is providing SMS Alert Service to all
of our customers, to make their lives hassle free
and secure. SMS Alerts are a useful tool to
safeguard Debit Card usage by providing instant
updates about your financial transactions.
Simultaneously it also provides the convenience to
get the information of your financial transactions
performed via Current and Saving accounts on
your mobile phones.

Following are the Customers eligible to receive SMS Alerts Service :


Customers having
Current
Saving Accounts
VISA Debit Card holders
All eligible customers using any GSM connection (includes all Mobile SIM
providers) can avail this service

Financial transactions covered by this Service include:


Cheques (Inward Clearing & Outward Return)
ATMCash Counter Transactions (Any Amount Deposit or Withdrawal)
Internet Banking, Mobile Banking, Call Center & ATM Clearing Cash
Withdrawal
Bill payment through Internet Banking, Mobile Banking, Call Center & ATM
Fund Transfers through
VISA Debit Card use at the POS machines
Transactions NOT covered by this Service include:
Profit Payments
Auto Debit

Now you can ask any question


regarding our presentation
from our any group member.